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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,418 | $73,863-71.0% | $143,797-85.1% | $68,490-68.7% |
| Participation rate | 22.6% | 66.7%-44.1pp | 80.3%-57.7pp | 67.9%-45.3pp |
| Annual return | -15.98% | 0.91%-16.9pp | -0.04%-15.9pp | -7.85%-8.1pp |
| Employer contribution / active EE | $304 | $3,185-90.5% | $4,952-93.9% | $2,597-88.3% |
| Participant deferral / active EE | $3,087 | $3,385-8.8% | $5,638-45.2% | $4,028-23.3% |
| Admin fee / account holder | $4,376 | $5,756-24.0% | $14,679-70.2% | $5,403-19.0% |